You swear you signed a deal for that certain price all year, but the customer service rep on the other end won't hear it. If you're using Niggle It, you've got a back-up copy of contracts and warranties, plus automated expiration reminders.

Niggle It is a single-purpose backup service, but it seems like a pretty smart one. When you buy something new and notable, you can fill out the quick details of it, but also upload an image of the warranty or signing deal. If you've got extended warranties on items, you can upload those, too. Niggle It hits you by email, calendar, and other means to remind you when services or contracts are expiring, and it's available by web or iPhone when you need to pull up the details.

Niggle It offers a free, 5-item trial (enough to put a few of your most important purchases in there for free), and runs $25-$30 per year after that for service upgrades.